Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.
From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
If you borrow money from a bank, then the bank needs to know who you are; Need to judge whether you can repay on time; Have you ever borrowed money before? Is there any record of not paying back the money? Before the appearance of credit investigation, you should provide a series of proof materials to the bank: proof of unit salary, etc. The loan officer of the bank should also call your company. It will be two weeks or more before the bank tells you whether to lend you money. It's really that the bank is tired and you are bored. Borrowing money is really troublesome.
The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you and then provide it to banks for use.